California Mortgage Broker
Bank Statement & DSCR Loans
Been turned down, or told your tax returns don't qualify you? You can still get the loan. We shop it across more than 100 lenders and tell you who will say yes, before you apply anywhere. No credit pull to find out.
California Mortgage Loans
Not every borrower fits the one box a bank underwrites to. If you work for yourself, you are buying an investment property, or your price is above the conforming limit, there is almost certainly a loan built for exactly that. Find the one that sounds like your situation below, and we will tell you which lenders write it. Talk to us about your scenario.
Bank Statement Loans
Your accountant did a great job, and now your tax returns make it look like you barely earn anything. A bank statement loan skips the returns and reads 3 to 24 months of deposits instead, so you qualify on what actually came in.
- Qualify on your deposits instead of your tax returns
- Built for self employed, 1099 contractors and business owners
- Personal or business accounts both work
- Primary homes, second homes and investment property
- Lenders average deposits differently, so which one we pick changes your number
VA Home Loans
You served, and you have a benefit most buyers do not get. A VA loan can put you in a house with little or nothing down and no monthly mortgage insurance. Eligibility rules come from the VA, and we will tell you where you stand before you apply.
- Little or no money down if you are eligible
- No monthly mortgage insurance, unlike FHA or low down payment conventional
- Credit rules are the VA's, and they are more forgiving than agency rules
- A one time VA funding fee applies, and it can usually be rolled into the loan
- Open to active duty, veterans and many surviving spouses
Asset Depletion Loans
You are retired or close to it, and your monthly income looks small next to what you are actually worth. An asset depletion loan turns your savings, brokerage and retirement accounts into a monthly income figure a lender can underwrite.
- Your savings, brokerage and retirement accounts become qualifying income
- Built for retirees and anyone whose wealth is not a paycheck
- Works on primary homes, second homes and investment property
- No need to sell anything or start drawing early
- Every lender runs the math differently, so we shop the formula too
HELOC & Home Equity Loans
You have equity sitting in the house and a reason you need it. A HELOC lets you draw on that equity as you go, and a fixed home equity loan hands you the whole amount at once. Which one is right depends on whether you know the final number yet.
- Draw as you go with a HELOC, or take it all at once with a fixed loan
- Keep the first mortgage you already have
- Common uses are renovations, paying off higher interest debt, or a second property
- Interest may be tax deductible, so ask your tax professional
- How much you can take depends on your equity and your credit
ITIN Mortgage Loans
You file your taxes with an ITIN instead of a Social Security Number, and you have been told that rules you out. It does not. There are lenders who write these loans every week, and we know which ones.
- No Social Security Number required
- Tax returns, or other documentation where the lender allows it
- Primary homes, second homes and investment property
- Expect a larger down payment than an agency loan asks for
- We will tell you upfront what each lender wants to see
Reverse Mortgages
You are 62 or older, your house is worth a lot, and your monthly income is not keeping up. A reverse mortgage lets you pull from that equity without a monthly mortgage payment. It is a serious decision with real obligations, so read the bullets and talk to a counsellor before you decide.
- Generally for homeowners aged 62 and over
- You still pay property taxes, insurance and upkeep, and losing the home is the risk if you do not
- Take it as a lump sum, a monthly payment, or a line of credit
- FHA insured HECM options are the most common route
- HUD approved counselling is normally required, and it is worth doing properly
DSCR Loans
You want another rental, but your personal income is already stretched across the properties you own. A DSCR loan asks whether the rent covers the payment, and qualifies the property rather than you. Your tax returns stay out of it.
- The property qualifies on its rent, not on your tax returns
- Long term rentals and short term rentals both count with the right lender
- Buy in an LLC where the lender allows it
- Purchase, rate and term refinance, or cash out
- Single family through small multifamily
Hard Money Loans
You found the deal and the seller will not wait for a normal mortgage. Hard money lends against the property and the numbers rather than your income, so it closes on a timeline a bank cannot match. It costs more, and it is meant to be short.
- Lends on the property and the deal, not on your income
- Fix and flip, bridging between homes, or a property no bank will touch yet
- Closes fast, which is usually the whole point
- Rates and fees run higher than conventional, so plan the exit first
- Short term by design, meant to be refinanced or repaid on sale
Jumbo Home Loans
Your price went past the conforming limit and the rules changed on you. Bigger down payment, more months of reserves, a pickier appraiser. Jumbo lenders also disagree with each other far more than conventional lenders do, which is exactly why shopping them is worth it.
- For loan amounts above the FHFA conforming limit for your county
- Primary homes, second homes and investment property
- Fixed rate and adjustable rate both available
- Tax returns or bank statements, depending on the lender
- The gap between the best and worst jumbo offer on one file is worth shopping
Conventional Mortgages
You have W-2 income, solid credit and a price inside the conforming limit. Your loan is the straightforward kind, and the only real question left is who gives you the best deal on it. Same borrower, same house, different lender, different cost.
- Put down as little as 3 percent on some conventional loans
- Fixed rate or adjustable rate
- Mortgage insurance drops off once you have enough equity, unlike FHA
- Loan amount has to stay inside the FHFA limit for your county
- We compare several lenders on rate and closing cost before you pick
Refinance Home Loans
You want a lower payment, a shorter term, or cash out of the equity you have built. Refinancing can do any of the three. Whether it is worth doing comes down to your current rate, the closing cost, and how long you are staying.
- Lower the rate, shorten the term, or take cash out
- Self employed and investor refinances through bank statement and DSCR lenders
- How much cash you can take depends on your equity
- We will run your break even before you commit, and tell you if it is not worth it
- Refinancing restarts the clock, so the term matters as much as the rate
FHA Home Loans Also Available
You do not have a big down payment saved, or your credit is still recovering. FHA exists for exactly that. The government insures the loan, so lenders relax rules they would not relax otherwise, and the trade is mortgage insurance you pay for.
Check your FHA eligibility →Why Borrowers Work With Advanced Funding Solutions
A bank has one rulebook. We have more than a hundred, so a no from one of them is just information about that lender.
You earn good money and you still got declined. That happens constantly to people who work for themselves, own rental property, or are buying above the conforming limit, because a bank underwrites to one set of rules and you did not happen to fit them. We are a brokerage, so we are not stuck with one set. We look at what you actually have, match it against the lenders whose rules already fit, and tell you which ones are worth your time.
- The loans a bank does not keep on the shelf. Bank statement, DSCR, hard money and bridge, and jumbo, plus conventional, FHA, VA, refinance, HELOC, ITIN and asset depletion. If your situation is the unusual kind, this is the list it lives on.
- One application, more than 100 lenders. You fill out one form. We put it in front of the lenders most likely to fund it and bring back what each of them said. You are not starting over at every door, and you are not collecting declines on your credit report while you shop.
- You find out early, not late. We tell you what your file needs before you commit to anything. The expensive version of this is discovering six weeks in that your lender will not do what you need, after you have paid for an appraisal.
- Everything in writing. You get your rate, fee and loan disclosures in writing during the application, because state and federal law requires it. Anything we talk about before that is an estimate, and we will say so out loud rather than let you assume otherwise.
- We are local and we stay local. Our office is in Calabasas and we work across Los Angeles, Ventura and Orange County. If your property is out of state, ask us before you count on it.
"A bank has one rulebook. If you don't fit it you get a no, and nobody explains why. My job is to find the lender whose rulebook you already fit, and most of the time that lender exists. People are usually a lot closer to qualifying than the first answer made them feel."
Our Approach
Here is what actually happens after you tell us what you are buying.
One application, more than 100 lenders
You fill out one form. We take it to the lenders whose guidelines actually fit your situation and bring back what each of them said. You are not starting over at every door.
You see the options side by side
When more than one loan could work for you, we show you both and explain the trade-off in plain language. Conventional against jumbo, bank statements against tax returns. You pick, not us.
Everything in writing before you commit
Your rate, fee and loan disclosures come to you in writing during the application, because state and federal law requires it. Anything we discuss before that is an estimate and we will tell you so.
Subject to approval
All loans are subject to credit, income, asset, property, and underwriting approval. A pre-qualification is not a commitment to lend, and your final terms are set after a complete application and lender review.
From First Call to Closing
in 4 Steps
We handle the complexity. Your job is to answer a few questions and pick your move-in date.
Pre-Qualify in 60 Seconds
Tell us your loan type, property state, and how to reach you. No credit check, no commitment, no fees.
We Match the Right Lender
We shop your file across 100+ wholesale lenders and find the best rate and structure for your exact situation. Same-day re-shopping if the primary investor backs out near close.
Submit Documents Online
Upload bank statements, ID, and property docs through our secure portal. No mailing, no faxing, no in-person meetings required.
Close & Fund
Hard money closes in 7 business days. Bank statement and DSCR loans typically close in 21–28 days. Non QM jumbo in 25–35 days. We coordinate every step and keep the same team on your file through funding.
Where We Lend in California
Advanced Funding Solutions has worked as a California-based mortgage brokerage since 2014, with a focus on Los Angeles, Orange, and Ventura counties. Programs available across these markets include bank statement, DSCR investor, hard money and bridge, and jumbo home loans, alongside conventional, FHA, VA, refinance, HELOC, ITIN, and asset-depletion options. Program availability, loan amounts, qualifying guidelines, and closing timelines are set by each funding lender and may change without notice. Loans are subject to credit, income, asset, property, and underwriting approval. Confirm state availability with Advanced Funding Solutions before relying on any program for an out-of-state property.
Mortgage Questions, Answered
Plain-English answers about bank statement, DSCR, hard money, and jumbo loan programs.
What types of mortgage programs does Advanced Funding Solutions offer?
Can self-employed borrowers qualify for a mortgage with Advanced Funding Solutions?
What is a DSCR loan?
How quickly can a hard money or bridge loan close?
What is the conforming loan limit, and when does a loan become a jumbo loan?
What states is Advanced Funding Solutions licensed in?
Can self-employed borrowers get a mortgage in California without tax returns?
What is a bank statement loan?
How much do you need to put down on an investment property in California?
Not sure which loan you need?
Tell us what you are buying and how your income arrives, and we will tell you which lenders are likely to say yes. No credit pull, no application, no obligation. If it is not worth doing yet, we will tell you that too.
Initial conversations are informational, not a credit application or a commitment to lend. Program eligibility, loan amounts, rates, and final terms are determined by the funding lender after a complete application, supporting documentation, and underwriting review. All loans are subject to credit, income, asset, property, and underwriting approval. Advanced Funding Solutions, NMLS #1277693.